WALTERS 401(K) PLAN Investment Options
Available Funds in WALTERS 401(K) PLAN
Below is the lineup of investment options available to participants in WALTERS 401(K) PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.
When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.
| Investment Description |
|---|
| dates through December 2029 |
| Vanguard LifeStrat Grw Fd Inv |
| American Funds Growth Fnd R6 |
| BlackRock LifePath Ind 2035 Fd K |
| Vanguard Tot Int Stk In F Adm |
| BlackRock LifePath Ind 2045 Fd K |
| BlackRock LifePath Ind 2055 Fd K |
| JPMorgan Equity Income Fund R6 |
| Vanguard SmlCp Indx Fd Admiral |
| Vanguard LifeStrat Md Grw Fd Inv |
| BlackRock LifePath Ind 2040 Fd K |
| American Funds Cap Inc Bld R6 |
| BlackRock LifePath Ind 2030 Fd K |
| Vanguard Mid Cap Index Fund Adm |
| Vanguard 500 Index Fund Adm |
| MFS Intl Intrinsic Val Fnd R6 |
| BlackRock LifePath Ind 2060 Fd K |
| BlackRock LifePath Ind 2050 Fd K |
| Victory Sycmr Est Vl Fd R6 |
| Vanguard Tot Bd Mkt Ind Fd Adm |
| Voya Small Cap Growth Fund R6 |
| BlackRock LifePath Ind 2065 Fd K |
| PIMCO High Yield Fund Ins |
| DFA Emerging Markets Pt Ins |
| BlackRock LifePath Ind Ret Fd K |
| Voya Mid Cap Opport Port R6 |
| Voya Intermediate Bond Fund R6 |
| DFA US Targeted VI Port Ins |
| American Funds Cap Wld G&I R6 |
| Voya Gv Mny Mkt F A (Hld Acct) |
| ClrBrg Apprec Fnd IS |
| DFA Infl-Prot Sec Port Ins |
How to Build a Smart Portfolio in Your 401(k)
Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:
- Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
- Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
- Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
- Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
- Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.
Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.
Model Asset Allocation Portfolios
Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in WALTERS 401(K) PLAN. See Asset Allocation Portfolio Templates for a detailed guide.
| Name | YTD Return | 1Yr AR | 3Yr AR | 5Yr AR | 10Yr AR | 15Yr AR | 20Yr AR | Common | Inception |
|---|---|---|---|---|---|---|---|---|---|
| Four Core Asset Portfolio | 4.74% | 18.86% | 12.42% | 5.72% | 8.01% | 7.30% | 6.92% | … | … |
| Five Core Asset Portfolio | 4.70% | 18.79% | 12.38% | 5.55% | 7.97% | 7.19% | 6.94% | … | … |
| Three Core Asset Portfolio | 4.57% | 19.80% | 13.11% | 6.19% | 8.52% | 7.64% | 7.10% | … | … |
| Two Core Asset Portfolio | 3.87% | 19.18% | 13.68% | 6.85% | 9.34% | 8.84% | 7.95% | … | … |
| Yale Endowment Template | 5.35% | 17.45% | 11.87% | 5.56% | 8.33% | 7.96% | 7.55% | … | … |
| S&P 500 Index | 5.96% | 30.43% | 21.65% | 12.98% | 15.09% | 13.73% | 10.93% | … | … |
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Puzzled on what to invest?
- We ask a few questions to decide your personal return and risk expectations
- We build a custom portfolio for your plan (401(k), 403(b), 529 …) or for a brokerage account
- We monitor and send timely rebalance emails on what investment funds to buy and sell
Looking for ideas to generate income?
- ETF or mutual fund income portfolios for 4-7% annual income
- Dividend stock funds
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